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- In most cases, a social security number is required in order to get medical insurance
- This is because the IRS requires you to fill out form 1095-B to ensure you have current health insurance
- If you do not fill out the form with your social security number or you do not have insurance, you may be responsible for paying the individual mandate penalty fine
- If you do not have a social security number, you may be able to use another tax identifying number
- Illegal immigrants without a social security number or other types of tax identifying numbers are not able to buy an insurance plan on the Health Care Exchange Marketplace
Since the Affordable Care Act was implemented, most insurance companies will ask for a social security number before allowing you to enroll in a plan. For the most part, they require this information so they can report it to the Internal Revenue Service. The IRS uses the information to determine who meets the minimum essential coverage requirements under the Affordable Care Act and who has to pay the individual mandate penalty fine.
The IRS uses the information to determine who meets the minimum essential coverage requirements under the Affordable Care Act and who has to pay the individual mandate penalty fine.
When you file your federal tax returns for the previous year, your health insurance company should provide you and the Internal Revenue Service with a copy of your 1095-B form as proof of your current health insurance status. A social security number is a required component of the 1095-B form.
You will use all of the information on the form to help you file your federal taxes. It is not necessary to attach form 1095-B to your own federal tax returns.
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What is the individual mandate penalty fine?
If you do not report your health insurance information to the IRS or you do not have health insurance, you may be responsible for paying the individual mandate penalty fine. You will have to pay the fee when you file your tax returns for the previous year.
The fee is calculated in one of two ways and you will have to pay whichever is higher; you will either have to pay 2.5 percent of your household income or $695 per adult and $347.50 per child under 18 in the household with a maximum set to $2,085.
If you are paying the set fee, you only have to pay for each person in the household who does not have health insurance, not for everyone who lives there.
You only have to pay 1/12 of the annual fee for every month that you went without health insurance coverage. If you went without health insurance for less than three full months, you might qualify for the short coverage gap exemption and not have to pay the fine for that year. There are other exemptions you may qualify for as well depending on certain life circumstances.
If you do not pay the fee, the Internal Revenue Service will withhold it from your tax return for the following year. They will not use any typical means of collection or pursue any criminal penalties to collect the fine. So, if you were worrying, “Will I go to jail if I don’t have health insurance?”, the answer is no.
Are immigrants without social security numbers eligible for medical insurance through the Exchange?
If you do not have a social security number, you may be able to use your tax identifying number or another type of document to prove you are a legal resident. Illegal immigrants without the proper identifying paperwork are not eligible for health insurance through the Marketplace.
If you are a lawfully present immigrant, you are eligible to get health insurance through the Healthcare Exchange Marketplace. Those with a green card, an eligible visa, certain refugees, or another type of temporary protected status qualify to enroll in a Marketplace plan. They will need to provide documents validating their immigrant status.
The necessary documents might include a permanent resident card, refugee travel documents, a foreign passport, or a certificate of eligibility for student status or visitor status.
Some immigrant families have members with mixed status, meaning that some are able to purchase medical insurance on the Health Care Exchange Marketplace with the proper documentation, while others are not. Illegal immigrants are able to apply for insurance for their dependent family members with lawfully present status.
Is a social security number required for medical insurance?
Most insurance companies require applicants to have a social security number or a tax identifying number. The IRS uses citizen’s social security numbers to check their health insurance status and ensure that they are not responsible for paying the individual mandate penalty fine. Lawfully present immigrants are eligible to enroll in a health plan with the proper documentation.
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